#17 of 26VisaSpendSelf-custodial
Tuyo Card
Self-custodial virtual Visa from Tuyo that spends USDC. No card fees, and no fee on US dollar purchases in the US.
Key facts
- Cashback
- Not published
- Annual fee
- Free
- FX fee
- 2%
- Top-up fee
- 0%
- Per-purchase fee
- None listed
- ATM
- Up to $250 a withdrawal incl. the ATM surcharge, 3 attempts a day; Tuyo fee not published
- Card types
- virtual
- Mobile wallets
- Apple Pay + Google Pay
Cashback: No cashback rate. Instead, some purchases are made free at random ("Buy Now, Pay Maybe").
FX: 0% on USD purchases in the US. 1% FX fee on non-USD purchases plus 1% on purchases outside the US; up to 2% combined.
G2M score worldwide
Rewards0/25
Fees23/30
Coverage16/20
Ecosystem12/15
Control10/10
Where it works
- IndiaNot available
- UAEAvailable
- United StatesAvailable
- United KingdomNot available
- EU / EEAAvailable
Worldwide except 34 restricted countries and territories, incl. the UK and India. Includes United States.
Countries
216 available34 not available
Available in 216 countries
Europe 49
- Åland Islands
- Albania
- Andorra
- Austria
- Belgium
- Bosnia & Herzegovina
- Bulgaria
- Croatia
- Cyprus
- Czechia
- Denmark
- Estonia
- Faroe Islands
- Finland
- France
- Germany
- Gibraltar
- Greece
- Guernsey
- Hungary
- Iceland
- Ireland
- Isle of Man
- Italy
- Jersey
- Kosovo
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Malta
- Moldova
- Monaco
- Montenegro
- Netherlands
- North Macedonia
- Norway
- Poland
- Portugal
- Romania
- San Marino
- Serbia
- Slovakia
- Slovenia
- Spain
- Svalbard & Jan Mayen
- Sweden
- Switzerland
- Vatican City
Middle East 8
- Bahrain
- Jordan
- Kuwait
- Oman
- Palestine
- Qatar
- Saudi Arabia
- United Arab Emirates
Asia 28
- Armenia
- Azerbaijan
- Bhutan
- British Indian Ocean Territory
- Brunei
- Cambodia
- Georgia
- Hong Kong
- Indonesia
- Japan
- Kazakhstan
- Kyrgyzstan
- Laos
- Macao
- Malaysia
- Maldives
- Mongolia
- Pakistan
- Philippines
- Singapore
- South Korea
- Sri Lanka
- Taiwan
- Tajikistan
- Thailand
- Timor-Leste
- Turkmenistan
- Uzbekistan
Africa 51
- Algeria
- Angola
- Benin
- Botswana
- Burkina Faso
- Burundi
- Cameroon
- Cape Verde
- Central African Republic
- Chad
- Comoros
- Congo
- Côte d'Ivoire
- Djibouti
- Egypt
- Equatorial Guinea
- Eritrea
- Eswatini
- Ethiopia
- Gabon
- Gambia
- Ghana
- Guinea
- Guinea-Bissau
- Kenya
- Lesotho
- Liberia
- Madagascar
- Malawi
- Mauritania
- Mauritius
- Mayotte
- Morocco
- Mozambique
- Namibia
- Niger
- Réunion
- Rwanda
- São Tomé & Príncipe
- Senegal
- Seychelles
- Sierra Leone
- South Africa
- St. Helena
- Tanzania
- Togo
- Tunisia
- Uganda
- Western Sahara
- Zambia
- Zimbabwe
North America and the Caribbean 37
- Anguilla
- Antigua & Barbuda
- Aruba
- Bahamas
- Barbados
- Belize
- Bermuda
- British Virgin Islands
- Canada
- Caribbean Netherlands
- Cayman Islands
- Costa Rica
- Curaçao
- Dominica
- Dominican Republic
- El Salvador
- Greenland
- Grenada
- Guadeloupe
- Guatemala
- Haiti
- Honduras
- Jamaica
- Martinique
- Mexico
- Montserrat
- Panama
- Sint Maarten
- St. Barthélemy
- St. Kitts & Nevis
- St. Lucia
- St. Martin
- St. Pierre & Miquelon
- St. Vincent & Grenadines
- Trinidad & Tobago
- Turks & Caicos Islands
- United States
South America 13
- Argentina
- Bolivia
- Brazil
- Chile
- Colombia
- Ecuador
- Falkland Islands
- French Guiana
- Guyana
- Paraguay
- Peru
- Suriname
- Uruguay
Oceania 26
- Australia
- Christmas Island
- Cocos (Keeling) Islands
- Cook Islands
- Fiji
- French Polynesia
- Heard & McDonald Islands
- Kiribati
- Marshall Islands
- Micronesia
- Nauru
- New Caledonia
- New Zealand
- Niue
- Norfolk Island
- Palau
- Papua New Guinea
- Pitcairn Islands
- Samoa
- Solomon Islands
- Tokelau
- Tonga
- Tuvalu
- U.S. Outlying Islands
- Vanuatu
- Wallis & Futuna
Antarctica 4
- Antarctica
- Bouvet Island
- French Southern Territories
- South Georgia & South Sandwich Islands
Not available in 34 countries
- Afghanistan
- American Samoa
- Bangladesh
- Belarus
- China
- Cuba
- DR Congo
- Guam
- India
- Iran
- Iraq
- Israel
- Lebanon
- Libya
- Mali
- Myanmar
- Nepal
- Nicaragua
- Nigeria
- North Korea
- Northern Mariana Islands
- Puerto Rico
- Russia
- Somalia
- South Sudan
- Sudan
- Syria
- Türkiye
- U.S. Virgin Islands
- Ukraine
- United Kingdom
- Venezuela
- Vietnam
- Yemen
From Tuyo Card's own country list.
Banking features
- Bank account (IBAN or account number)
- In your name
- Send money to a bank account
- 3 currencies
- Buy and sell crypto with fiat
- Buy and sell
- Spend against crypto without selling
- No
- Yield on your balance
- Yes
- ID check for people living abroad
- Not published
- Citizens turned away
- Not published
Tiers and plans
| Tier | Cost per year | Cashback | Monthly cap | FX fee | How to get it | Perks |
|---|---|---|---|---|---|---|
| Tuyo Card | Free | Not published | — | 2% | Free to join | — |
Real swipe receipt
What one purchase really costs on Tuyo Card, with every fee and the cashback.
What's good
- No issuance, monthly or yearly fee
- 0% on USD purchases in the US
- Self-custodial
Watch out for
- Up to 2% on non-USD or non-US purchases
- No cashback rate
- Virtual only for now; not offered in the UK
More details
- Other fees
- Trades: 0.25% (stablecoin swaps and bridging exempt)
- Perks
- Some purchases made free at random · Interest on your USD balance (variable) · Daily limit up to $200,000
- Spend from
- USDC
- Issuer
- Rain
Sources · last checked 25 Oct 2026
- Tuyo: card fees and limits · 24 Oct 2026
- Tuyo: FAQ · 24 Oct 2026
- Tuyo: home page (custody and UK notice) · 22 Oct 2026
- Tuyo Help: Tuyo Card overview · 25 Oct 2026
- Tuyo Help: Add cash by USD bank transfer · 24 Oct 2026
- Tuyo Help: Bank accounts availability · 25 Oct 2026
- Tuyo Guides: Tuyo availability · 25 Oct 2026
- Tuyo Guides: Tuyo card availability · 24 Oct 2026
- Tuyo Help: FAQ · 25 Oct 2026
- Tuyo Help: Bank transfer status · 25 Oct 2026
- Tuyo Help: Add cash with crypto · 25 Oct 2026
Terms change often. Confirm fees and availability on the official Tuyo site before you apply. Spotted something out of date? Tell us.
